Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$94,169Cash toward the purchase price.
Closing costs + prepaids$9,622Not just lender fees.
Before credits & paid funds$103,791The complete starting cash picture.
Estimated remaining funds due at closing
$103,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,169.40
Your down payment$94,169.40
Closing costs + prepaids$9,621.85
Total buyer cash needed$103,791.26
Remaining funds due$103,791.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$598.00
Prepaid interest, first (25 days)$298.85
Fees + prepaids$9,621.85
Your down payment is the seller’s equity. You take over the $155,831 balance, so the rest of the $250,000 price is paid at closing. A second mortgage can cover part of it. $103,791.26 is due at closing. Uses and sources reconcile at $259,621.85 each. Not a Closing Disclosure.